Customization, Transparency, & Tax Efficiency


Investment Methodology

Customization, Transparency, and Tax Efficiency »

The Client Experience


Seize the opportunity; upgrade to SMAs. We believe you deserve customization, transparency, and tax efficiency typically available only to multi-million dollar accounts.

Technology has changed the way people do just about everything. For example, vinyl records, Polaroid cameras, pay telephones, and typewriters have all suffered technological obsolescence. Now technology is changing the way people invest by allowing individual investors to pursue strategies wealthy investors and large institutions have used for decades. Now, you can invest according to endowment principles using institutional money managers while employing separately managed accounts (SMAs). Many of the advantages of this approach over mutual funds and other pooled retail investment vehicles are explained below.

Customized asset allocations are designed to match your risk tolerances and life objectives
Through your financial adviser, you provide information necessary to help develop a comprehensive, customized portfolio engineered to match to your needs, goals, and desires

Global Diversification
To help pursue increased risk-adjusted return, our technology can help your financial adviser design a portfolio that can be diversified across many dimensions including asset class, company size, value/growth stocks, geographic regions, emerging/developed markets, strategic/tactical investment philosophies, dividend rate, and others. 

Institutional money managers
Money managers have all survived our stringent analyses of their methodologies, management, and return versus their benchmarks.


Direct ownership of equities
You can own a portfolio of individual securities globally diversified across North America, Asia, Europe, and Latin America that are professionally managed by institutional-style money managers.

Socially responsible investing
You can invest according to your conscience by excluding companies that are inconsistent with your values and beliefs. You may also choose to eliminate individual companies, industries, and entire sectors at no additional charge. 

Staying on track
Accounts are monitored and rebalanced as necessary to help assure an ongoing match between your investments and the objectives your adviser conveys to us.

You can see every directly owned security and every trade made in your account. Even our fees are transparent. 

Tax efficiency
When investing in bundled products such as mutual funds, embedded capital gains are a common problem (8). This consequence can have a seriously negative impact on your overall returns. When equities are directly owned, embedded capital gains can’t occur, and individualized tax lot harvesting can even reduce taxes.

8.  Bergstresser, Daniel. "Do After-Tax Returns Affect Mutual Fund Inflows?" Journal of Financial Economics (2002): 381-414.